摘要
对第三方支付机构客户备付金的监管,央行《关于实施支付机构客户备付金集中存管有关事项的通知》要求客户备付金按照一定比例交存至指定机构专用存款账户,这是基于避免挪用备付金、明晰清算平台、规范机构业务范畴、监控资金流动、防范系统风险、落实互联网金融风险专项整治的监管新政。针对新政实施对支付行业的冲击,提出行业发展转型思路,以及争取利息、设定最终存管比例上限等建议。
In terms of supervision on client reserve deposits in the custody of third-party payment institutions, Notice of the People’ s Bank of China-Regulations for Centralized Custody of Client Reserve Deposits Ad-ministrated by Third-party Institutions states that certain percentage of client reserve deposits should be allo-cated to a designated bank account. The purpose of the new regulations is to avoid misappropriation, to define clearing platforms, to specify business scope, to monitor cash flow, to prevent systematic risks, and to imple-ment the work requirements on the special rectification of Internet financial risks. Considering the impact of the new regulations on third-party payment providers, this paper puts forward the following suggestions： develop-mental transformation, and earning more interests profits by limiting deposit ratio.
出处
《无锡商业职业技术学院学报》
2017年第6期40-43,共4页
Journal of Wuxi Vocational Institute of Commerce
关键词
支付机构
客户备付金
集中存管
缴存比例
third-party payment institution
client reserve deposits
centralized custody
deposit ratio
